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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,918 | $64,462-76.9% | $81,482-81.7% | $80,911-81.6% |
| Participation rate | 31.6% | 63.9%-32.3pp | 69.5%-37.9pp | 67.6%-36.1pp |
| Annual return | 13.45% | 16.35%-2.9pp | 24.79%-11.3pp | 35.63%-22.2pp |
| Employer contribution / active EE | $587 | $1,979-70.4% | $2,463-76.2% | $2,756-78.7% |
| Participant deferral / active EE | $1,138 | $3,094-63.2% | $3,885-70.7% | $4,297-73.5% |
| Admin fee / account holder | $2,001 | $5,678-64.8% | $5,761-65.3% | $6,935-71.1% |